IRR Calculator

Enter a series containing at least one negative and one positive cash flow to numerically solve for IRR.

Rate conventionPeriod consistencyFormula auditPlanning estimate

Periodic cash flows — period 0 first

Rate per cash-flow period (%)

Every row is one equally spaced period. For IRR, the entered rate is used only for the comparison NPV.

—IRR

—NPV at entered period rate

—Cash-flow entries

—Undiscounted sum

Period 0 is not discountedIRR can be absent or non-unique when cash-flow signs change more than once. The audit below checks that structure explicitly.

Planning estimate only. Results depend on the values and assumptions you enter and are not financial, tax, legal, or lending advice.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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IRR root scan, NPV profile & payback evidence

Scan a wide rate range for more than one IRR, calculate NPV at a required return and inspect cumulative cash flow instead of assuming every project has one unique IRR.

Cash flowsRequired return %Max scan rate %

—IRR roots

—NPV at required return

—Simple payback

Ready.

IRR may be absent or non-unique

At least one negative and one positive cash flow are required. Multiple sign changes can produce multiple IRRs, so the audit scans for more than one root instead of silently returning an arbitrary one.

Planning scope

This calculator is a deterministic planning aid based only on the values you enter. It does not supply current tax rates, market returns, employment-law classifications, individualized investment advice, or product recommendations. Verify real-world rates, rules, fees, and timing separately.